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Which Post Office schemes are getting the highest interest? If you are planning to invest in July, then check it.


Post Office Small Savings Schemes: If you want to invest in any Post Office scheme in the coming month, then check here how much interest will be available on which scheme.

Post Office Investment: People who prefer investments with safe and guaranteed returns, mostly invest in banks. But like banks, many schemes are also run in post offices. In many schemes, better interest is given than banks. Let us tell you that the government revises the interest rates of Post Office Small Savings Schemes every quarter. However, no change has been made in the interest rates for the second quarter (July to September) of the financial year 2024-25, that is, the current interest rates will remain applicable in this quarter also. If you want to invest in any post office scheme in the coming month, then check here how much interest will be available on which scheme.

Interest rates of post office schemes

Post Office Savings Account- 4%
1 Year Time Deposit- 6.9%
2 Year Time Deposit- 7.0%
3 Year Time Deposit- 7.1%
5 Year Time Deposit- 7.5%
5-Year Recurring Deposit Account- 6.7%
Senior Citizen Savings Scheme- 8.2%
Monthly Income Scheme- 7​.4%
Public Provident Fund Scheme- 7.1%
Sukanya Samriddhi Account- 8.2​​​%
National Savings Certificates- 7.7%
Kisan Vikas Patra- 7.5%
Mahila Samman Savings Certificate- 7.5%

These options will be available only in the post office

Out of all these schemes, you will get options for some in banks also, while some schemes can be opened only in the post office. National Savings Certificates, Mahila Samman Savings Certificate, and Monthly Income Scheme are such schemes in which you will have to go to the post office to invest.

Both NSC and MSSC are fixed deposits. Any Indian citizen can invest in NSC for 5 years. This scheme is also included in the portfolio of Prime Minister Narendra Modi himself. MSSC is run to encourage women's savings. In this scheme, money has to be deposited for two years. Former Union Minister Smriti Irani has also invested in this scheme.

On the other hand, the MIS scheme is a scheme that provides regular income every month. In this scheme, a maximum of 9 lakh rupees can be deposited on a single account and a maximum of 15 lakh rupees on a joint account. This amount is deposited for 5 years. Money is given on this at the rate of 7.4%.

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